The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$68,700
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,837
−HK$2,171/mo
Today · 4.125%
HK$73,008
baseline
▲ 0.50% · 4.625%
HK$77,450
+HK$4,442/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$146,016/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,428
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,478
−HK$2,079/mo
Today · 4.125%
HK$80,557
baseline
▲ 0.50% · 4.625%
HK$84,803
+HK$4,246/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,114/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,440
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,004
−HK$2,606/mo
Today · 4.125%
HK$87,610
baseline
▲ 0.50% · 4.625%
HK$92,940
+HK$5,330/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$175,220/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,714
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,173
−HK$2,496/mo
Today · 4.125%
HK$96,669
baseline
▲ 0.50% · 4.625%
HK$101,764
+HK$5,095/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$193,338/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,180
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,172
−HK$3,039/mo
Today · 4.125%
HK$102,211
baseline
▲ 0.50% · 4.625%
HK$108,431
+HK$6,220/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$204,422/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,999
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$109,869
−HK$2,911/mo
Today · 4.125%
HK$112,780
baseline
▲ 0.50% · 4.625%
HK$118,725
+HK$5,945/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$225,560/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,660
−HK$7,754/mo
▼ 0.25% · 3.875%
HK$127,506
−HK$3,908/mo
Today · 4.125%
HK$131,414
baseline
▲ 0.50% · 4.625%
HK$139,411
+HK$7,997/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$262,828/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,570
−HK$7,433/mo
▼ 0.25% · 3.875%
HK$141,260
−HK$3,743/mo
Today · 4.125%
HK$145,003
baseline
▲ 0.50% · 4.625%
HK$152,646
+HK$7,643/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$290,006/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,448 · Scale 2, in force from 26 Feb 2026)